What are the average closing costs in Sangamon County County?

In Sangamon County County, the median total loan costs on purchase mortgages were $2,478 in 2024, based on 1,809 originations.

Which lender has the lowest closing costs in Sangamon County County?

Among lenders with 10+ originations in Sangamon County County, CITIZENS EQUITY FIRST CREDIT UNION had the lowest median total closing costs at $994 in 2024.

How do closing costs in Sangamon County County compare to Illinois?

Sangamon County County closing costs (median $2,478) are 59.4% below the Illinois state median of $6,096.

Lowest closing cost mortgage lenders in Sangamon County County, Illinois

In Sangamon County, Illinois, homebuyers paid a median of $2,478 in closing costs in 2024 — below the Illinois median of $6,096. The county saw 1,809 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, CITIZENS EQUITY FIRST CREDIT UNION offered the lowest median costs at $994, which is $1,312 less than the county median.

Homebuyers in Sangamon County County who chose CITIZENS EQUITY FIRST CREDIT UNION paid $1,484 less in closing costs than the county median.

County Median Costs

$2,478

−59.4% vs Illinois ($6,096)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$695

Purchase Originations

1,809

vs Illinois Median

59.4% below

$-3,618

vs National Median

63.2% below

$-4,263

Lender rankings in Sangamon County County

20 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	CITIZENS EQUITY FIRST CREDIT UNION	$994	6.438%	$0	60	−$1,312
2	JPMorgan Chase Bank, National Association	$1,684	6.875%	$179	35	−$622
3	Prairie State Bank and Trust	$1,874	6.500%	$501	34	−$432
4	Bank of Springfield	$1,972	6.562%	$467	208	−$334
5	United Community Bank	$2,063	6.500%	$495	141	−$243
6	Heartland Bank And Trust Company	$2,106	6.875%	$700	56	−$200
7	HEARTLAND	$2,185	6.375%	$585	90	−$121
8	Morton Community Bank	$2,189	7.000%	$695	46	−$117
9	Carrollton Bank	$2,293	6.625%	$745	46	−$13
10	INB, National Association	$2,329	6.875%	$619	319	+$23
11	FLAT BRANCH MORTGAGE, INC.	$2,773	6.625%	$995	38	+$467
12	U.S. Bank National Association	$2,793	6.990%	$1,084	22	+$487
13	PNC Bank, National Association	$2,850	6.625%	$1,323	38	+$544
14	AFFORDABLE MORTGAGE ADVISORS, LLC	$3,053	6.995%	$1,456	22	+$747
15	GUARANTEED RATE, INC.	$3,332	6.750%	$1,640	52	+$1,026
16	NEW AMERICAN FUNDING, LLC	$3,360	6.990%	$1,474	24	+$1,054
17	ROCKET MORTGAGE, LLC	$5,165	6.875%	$3,219	24	+$2,859

Includes lenders with 10+ purchase originations in Sangamon County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in Illinois → Lender Directory

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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).

Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.